I've finished the book and must say that the most relevant bits are the first and final sections which contain information that is useful to audiences outside the US. Becoming a financial advisor/coach for the poor is a job that is a lot more complex than advising the wealthy. If the textbook is right, most social workers would not have the sophisticated finance skills to sort out the personal balance sheet of their charges. Folks with a finance background may not understand the ground issues that need to be resolved before they can even review a person's financial institution. At the backdrop we've got a host of legal issues - maybe the person seeking help is an illegal immigrant. Finally, there will always be the probability that the recipient of the aid may not even be grateful for it. So helping the poor to build up their financial capability is a multi-disciplinary issue that has just received its first textbook....